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                Blog

                Get our best money management tips to help you finance your dreams!

                Smart Spending #2: 7 Ways To Shop Smarter

                Ever feel like you’ve been on an online spending spree but don’t know how to stop? What about those in-store impulse buys that always seem to catch your attention at the check-out? These days, it’s all too easy for us to spend WAY too much, whether we mindlessly “add to cart” on our phones, or tap to pay before we think about our purchase. It’s no wonder that consumer spending in 2023 outpaced expectations, as Americans continue to buy, buy, buy… But our spending wasn’t the only thing reaching new heights — credit card debt topped $1 billion (yes, billion) for the first time in history.

                Smart Spending #1: 8 Ways To Spend Smartly


                If you struggle to make ends meet, you’re not alone. More than half of Americans —58% — live paycheck-to-paycheck, according to data from CNBC. If...

                Personal Loans 101: What Are They?


                Are you looking for a way to cover a big expense in your life? If so, you may have wondered, what are personal loans…and can they help you meet the...

                Should I Take Out A Student Loan? When To Get Them And How To Manage


                If you’re planning on going to college, you’ve probably been doing some thinking about how you’re going to pay for it. And, you’ve likely been...

                Your First Car Loan: Everything You Need To Know To Save


                Aside from buying a home or perhaps paying for a college education, buying a car will most likely be your most expensive purchase as an adult. The...

                Everything You Need To Know About Getting A Mortgage


                When you embark on the search for a new home, you may think you know the steps to take: Read the listings, visit some open houses, sign on with a...

                5 Ways To Raise Financially Savvy Kids In An Instant Gratification World


                Money may seem like a challenging topic to discuss with your children (especially when they are little) but it’s important to start having money...

                Allowances 101: Should You Give Your Child An Allowance?


                In the age of digital + mobile everything, it should come as no surprise that even something as old fashioned as a child’s allowance has evolved....

                How Much Does It Cost To Raise A Child? How Parenthood Changes Your Finances


                Having a child turns your world upside down (in the best way), and forces you to rethink nearly every aspect of your life…including your finances. If...

                Money Lessons For The Whole Family And Where To Find Them


                The key to helping your little ones understand the way money works is by talking about money and finances often. Ideally, you’ll get started before...

                The Best Money Moves To Make When Starting A New Job


                If you’ve just started a new job, or you’re new to earning an income, congrats! You may be intimidated by the idea of finally getting your finances...

                6 Ways You Spend Money Without Even Realizing It


                Everyone’s trying to cut back on their spending right now, but your budget may be leaking money in some places without you even noticing it. Whether...

                Emergency Funds 101


                No matter what financial hurdles you’ve faced in your life, you’ve probably found that these unexpected issues (like a job loss, an appliance that...

                How To Create A Budget


                Once you’ve decided it’s time to create a budget, or get back on track with an updated spending plan, you’ll have more than a few options to choose...

                Why You Need A Budget


                Let’s be honest. The majority of Americans — 60% — don’t know how much money they spend in a month. They also have little idea where their money...

                The Best End-Of-Year Money Moves To Make


                As 2023 draws to a close, it’s time to get our financial lives in order for the New Year so we can kick-start 2024 with as little financial stress as...

                How To Handle Market Volatility


                If you're relatively new to the investing world, you may have heard of market volatility, but you may not have experienced it firsthand. After all,...

                How to Choose a Reputable Charity


                If you’re fortunate enough to have more than you need, it’s always nice to give back. But where? So many charities could do amazing things with your...

                Credit Card Debt: The Best Debt Repayment Methods


                Owning a credit card and using it to build credit and to rack up rewards like cash back and travel bonuses can be a wonderful thing. We often need...

                Why You Should Stop Using Payment Apps To Store Cash


                Are you carrying a Venmo balance? How about Zelle? Cash App or PayPal? More than 75% of U.S. adults have used some form of payment app, and that...

                Life Insurance Awareness Month: 5 Things to Know


                No matter what your net worth or income level is, the road to financial wellness can sometimes seem full of obstacles and detours. Including life...

                Affordable Sustainability: 7 Tips for Building an Energy-Efficient Home


                Building a new home involves many decisions and expenses. As you work through the process, it’s a good idea to try making your new home as...

                Exploring Alternative Investments: Crypto, Art & NFTs


                Are you an investor? Chances are you’ve invested for retirement, in the form of a 401(k) or an IRA, or perhaps you own real estate or have a stock...

                Are I-Bonds The Right Investment For You?


                With the stock market still shaky and inflation remaining higher than years past, I-Bonds (sometimes seen as iBonds or I bonds) from the United...

                Money Tips for College Students


                Hello, college, hello, money worries!

                Annuities As A DIY Pension: How They Actually Work In Your Retirement


                Once you take the leap into retirement, reliable income becomes paramount. Yes, Social Security often provides the base layer of financial stability...

                HSAs vs. FSAs: The Similarities & Differences


                As inflation touches nearly every facet of our lives, healthcare costs — as you can imagine — have been impacted in a big way. In the United States,...

                Tomorrow's Millionaires: Needs vs. Wants


                When the lines between needs and wants are blurred, curbing our spending becomes an

                What’s The Difference Between The Stock Market And The Economy?


                Have you ever noticed that sometimes for months-long stretches, the stock market takes investors on a roller-coaster ride, when other economic...

                What Does It Mean To Be Diversified? Here Are The Basics


                Most investors know they’re supposed to be diversified — to have their money spread out into multiple asset classes, so if one stock or industry...

                Index Funds vs. ETFs: What They Are And How They Work


                Years ago, investors bought and sold stocks in individual companies, often trying to beat the market’s average return. Then, in the early 20th...

                How to Invest In Your 401(k) or IRA


                If you already have a 401(k), IRA or other retirement account, congratulations! You’ve taken a huge step to securing tomorrow for “future you.” And,...

                A Primer On Buying Your First (Or Fourth) Car


                Ready for sticker shock? The average price of a new vehicle in the U.S. was $48,763 in April 2023, according to Kelley Blue Book — this marks nearly...

                What You Need to Know About Paying For College


                With college costs soaring – and student loans readily available – it’s easy for young adults to graduate without understanding exactly how much...

                Mortgages 101: Getting Started on the Path to Homeownership


                When you embark on the search for a new home, you may think you know the steps to take: Read the listings, visit some open houses, sign on with a...

                What to Consider Financially as a First-Time Homebuyer


                So, you’re ready to buy your first home. Congratulations! For many people, taking this step is one of the biggest financial moves they will make in...

                Life Insurance: How Much Do You Need — And How To Get It


                If the pandemic taught us anything, it’s that you can never be too prepared. We all need a protection plan in place, which includes a few essential...

                Why You Need An Estate Plan (And What Should Go In It)


                Many people still believe that an estate plan is reserved for those with millions and mansions. This could be part of the reason why just 42% of...

                Annuities 101: How They Work And What They Can Do For You


                Saving for retirement can be a daunting prospect — no one can be absolutely certain exactly how much money they’ll need, and market risk looms larger...

                How Emergency Funds Work In Practice


                If you depleted your emergency fund in the last year or so, don’t panic. We build up emergency funds so they’re there for us when we need them. And...

                Auto Hail Damage: Auto Insurance and Car Hail Damage


                When a natural disaster occurs, such as hail, you can count on WEOKIE to help guide you through the process. If you have a WEOKIE Auto Loan and your...

                The Basics of Retirement Accounts


                Have you ever felt overwhelmed by the menu in a diner? One that goes on and on for pages — offering you everything from breakfast to dinner, 24 hours...

                How To “Trick” Yourself Into Saving More


                With inflation high and money tight for so many of us, there’s never been a better time to re-examine how we’re managing our finances and to make...

                How Much Should You Save For Retirement?


                In a perfect world, you would start saving for retirement with your very first paycheck and keep at it until the day you left your job some 40 years...

                Keeping your money safe: NCUA Share Insurance Break-Down


                With the fall of Silicon Valley Bank and other institutions in recent weeks you might be wondering about the safety of your funds. Well, your funds...

                Teaching Kids to be Smart With Money


                Money may seem like a challenging topic to discuss with your children (especially when they are little) but it’s important to get the ball rolling as...

                Filing Taxes When You’ve Had a Life Change


                Filing income taxes is arguably one of the least fun parts of being an adult. (Colonoscopy? Okay, maybe. But get one anyway if you’re due.) We know...

                Pre-Qualified vs. Pre-Approved: What’s the Difference?


                Getting pre-qualified and pre-approved both sound very similar, however there is a crucial difference between the two.

                Auto Refinancing: How Does It Work?


                How Does Auto Refinancing Work and Is It a Good Plan for Me? When people think about refinancing a major loan, they often think about refinancing a...

                How to Know If You're Ready to Apply for a Home Loan


                Buying a home is not for the faint of heart. There are countless forms to complete and papers to sign, not to mention credit checks, property...

                Credit Scores & a HELOC: What You Need to Know


                Anyone who is looking seriously at a home equity line of credit (HELOC) has probably already learned about the benefits of this kind of flexible...

                How long does it take to get a HELOC?


                Getting a Home Equity Line of Credit (HELOC) is a popular option for financing many major expenses, including home improvement projects and debt...

                Preparing to Apply for a HELOC


                As more Americans consider a home equity line of credit as a way to fund major purchases and projects, we hear a lot of questions about them at...

                What is a HELOC?


                A home equity line of credit, (HELOC), offers significant versatility to borrowers wanting to take advantage of the equity available in their homes....

                Should You Have More Than One Checking Account?


                Because there are so many different types of checking accounts available, it makes sense that people wonder, do I need more than one checking account?

                How to Understand Your Auto Loan


                In celebration of 50 years, WEOKIE is offering some special rewards to our valued clients! If you finance an auto loan* with us—or bring us your...

                5 Things You Need to Know Before Applying for a Home Loan


                Before you apply for a mortgage loan, there are some things you need to know. Whether you are buying a house for the first time or it has just been a...

                Show Me the Money: 5 Places to Stash Cash in a Pinch


                Need to stash some cash quickly? Maybe you received a bonus at work, discovered an inheritance, or won a bit of money in the lottery. Maybe you need...

                6 Ways to Pay Off Your Auto Loan Early


                Borrowing money from the bank or dealership can be a liberating process, allowing you to purchase a new ride and give you and your family more...

                How to Increase Your Chances of Getting Approved for an Auto Loan


                When shopping for a new car, your credit score will play an important role in how much you’re qualified to borrow (as well as the rate). On-time...

                5 Things You Need to Know About Mechanical Breakdown Insurance for Your Used Vehicle


                You can’t drive any vehicle – car, truck, used, new – without insurance, which protects you and other drivers financially in the event of a collision.

                GAP Insurance Coverage: Is it Worth the Money?


                When you’re buying a new vehicle, it can be overwhelming at first. Loan officers, sales people, and even family members will give you their best...

                Jumpstarting the Car Buying Process with WEOKIE's Auto Loan Calculator


                Buying a new car is an exciting purchase, but it’s easy to get swept away by newest features, add-ons and upgrades. To prevent yourself from...

                Serious Savings vs. Silver Savings Account: Which is Right For You?


                How much should you be saving each month? The answer will vary depending on your income, your expenses and your goals. Regardless if you should be...

                How to Finance a Car with a Credit Union


                Getting a car is easy. Visit a dealer and tell them you want a car, they take you back to complete financing paperwork, you sign and drive off in a...

                The Top 11 Credit Union Questions to Ask When Buying a Used Car


                Buying a car comes with a lot of questions, like “how much can I afford” or “should I purchase new or used? We always recommend shopping for your...

                8 Tips for College Graduates Buying a New or Used Car


                You have your cap and gown stored away, and the fear of that forgotten assignment has finally faded. What’s next? Find a job? Visit family? Have some...

                The Quickest Ways to Pay Off a Credit Union Auto Loan


                Why should you pay off a loan quickly? Part of a loan is the interest that is accrued every month on the balance. The interest is the fee that is...

                Interview with a Credit Union Lender: 6 Questions the Dealership Hopes You Can’t Answer


                Buying a new car can be an exciting experience with the new smells, the feel of a fresh and firm seat and the freedom of the open road. Dealers are...

                How Getting a Car Loan with a Credit Union Affects Your Credit


                When you head to the credit union to get pre-approved for your auto loan, you should feel pretty good. You’ve done your homework, know what car you...

                Buying a Car Out of State: Everything You Need To Know


                It’s great how technology empowers buyers to locate the best prices and deals for the vehicle they want, and sometimes, getting it requires driving...

                New vs. Used Cars: How to Finance Both With WEOKIE


                There are certainly perks for driving off the lot in a new car, like the smell, the warranties and the peace of mind knowing it doesn’t have years of...

                Tips for Buying a Car From a Private Seller


                So, you’ve decided a car is going to be your next major purchase — but how do you ensure you’re getting the best deal? Let alone, a reliable vehicle....

                12 Factors Affecting your Credit Union Auto Loan


                Nothing beats the feeling of stepping into a new car. But, the buying process itself can be a massive undertaking. Beyond the price tag is a number...

                8 Things You Must Do When Applying for a Home Loan


                As the real estate market recovered from the crisis of 2008, the criteria for obtaining a loan has become much more stringent. That shouldn’t deter...